We generally only recommend Comenity Bank/Anntylr if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.
Every situation is different, so it's hard to give a blanket recommendation on whether or not Comenity Bank/Anntylr is the right card for you.
However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.
There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not Comenity Bank/Anntylr is worth it for you.
We recommend considering the following when looking into getting any credit card (as a starting point at least):
The approval odds are going to be heavily dependant on your credit score, income & expenses.
If you have a credit score of 750+, you can basically get approved for most credit cards, including the Comenity Bank/Anntylr. But if you have a "poor" credit score, it's going to be a lot more difficult.
A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.
Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).
If your credit score is preventing you from qualifying for Comenity Bank/Anntylr, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.
Once we've improved your score for you, you'll be in a much better place to apply & get approval for Comenity Bank/Anntylr. Not to mention all the other benefits that come with a great credit score!
Speak with a live credit specialist for your free consultation, now. We're available for you 24/7